Briefly, I have limited funds to hire a 24-hour caregiver for my father. Currently I split the duty with an agency. I learned this agency is taking advantage of its help. One caregiver had to leave us because he was cheated out of hours. The agency also misrepresented tax information. He has been in the US 15 years and is still not a citizen. My situation is that we cannot afford to retain the caregiver agency and time is running out. I am considering hiring this ex-employee. I could pay him what the agency was paying and save a lot of money. I trust him and am not concerned about the bonding/insurance risk of employing him without the umbrella of an agency handling such things. The contract states we cannot hire their people directly. Under the circumstances I have doubts that the agency would pursue it if we hired someone they screwed. I'd like to hear what people have to say, one way or another. It will help me consider everything. Thank you in advance.